Forgivable second mortgagePotentially available — confirm funding and eligibilityFunding unverified
ATL HomeNOW (Invest Atlanta)
Invest Atlanta
Up to $20,000 with an Invest Atlanta participating lender's 30-year fixed first mortgage, forgiven after 10 years as the primary residence, for homes within City of Atlanta limits.
Assistance
Advertises up to $20,000
- Up to $20,000
Loan is forgiven after living in the home for 10 years as the primary residence.
Assistance is subject to program, lender, funding, and transaction requirements.
Freshness
Last verified: September 29, 2026
Effective date: Not published
Funding: Funding status could not be independently verified.
Published requirements
Requirements not listed here are not on file and must be confirmed.
- Minimum credit score 620Maximum DTI is determined by automated underwriting (AUS).
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“Minimum FICO credit score is 620 with a maximum DTI determined by AUS.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Permitted first mortgages: FHA, VA, Conventional30-year fixed rate, with an Invest Atlanta participating lender.
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“Must qualify for a 30-year fixed rate FHA, VA. or Conventional mortgage loan with an Invest Atlanta participating Lender”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum borrower contribution $1,500From the buyer's own funds.
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“Homebuyer must make a $1,500 contribution in the transaction from their own funds.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Liquid assets after closing limited to $35,000
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“Homebuyers cannot exceed $35,000 in liquid assets.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education: A homebuyer education class with an Invest Atlanta participating educator.
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“we require attending a homebuyer education class with a participating educator.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · The Invest Atlanta Homebuyer ProcessOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Must be your primary residence
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“Participants cannot own interest in any other property. The property must be owner-occupied. The property cannot be manufactured.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · Program RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Location: Atlanta
- Income limits: on file for City of Atlanta · official limits
- Purchase-price limits: Unknown — verify with the applicable lender or program administrator.
- Property types: Newly constructed or existing single-family detached homes, 2–4 units, townhomes and condos.
Every rule, in the program’s own words
Each rule HomeStack applies to this program, with the exact passage from the official document and a link that opens the document at that passage. HomeStack re-checks every quote against the live document.
- Assistance — Up to $20,000
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“Homebuyers can receive up to $20,000 to help buy a home within the incorporated city limits of Atlanta.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOWOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Repayment terms
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“Loan is forgiven after living in the home for 10 years as the primary residence.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum credit score
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“Minimum FICO credit score is 620 with a maximum DTI determined by AUS.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Eligible first mortgages
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“Must qualify for a 30-year fixed rate FHA, VA. or Conventional mortgage loan with an Invest Atlanta participating Lender”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Minimum borrower contribution
See exact policy language
“Homebuyer must make a $1,500 contribution in the transaction from their own funds.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Liquid-asset limit
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“Homebuyers cannot exceed $35,000 in liquid assets.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Homebuyer education
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“we require attending a homebuyer education class with a participating educator.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · The Invest Atlanta Homebuyer ProcessOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Owner occupancy
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“Participants cannot own interest in any other property. The property must be owner-occupied. The property cannot be manufactured.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · Program RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Eligible location
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“Homebuyers can receive up to $20,000 to help buy a home within the incorporated city limits of Atlanta.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOWOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Income limits
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“Household Size Maximum Income 1 $99,000 2 113,160 3 127,320 4 $141,360 5 $152,760”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — Income LimitsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Property rules
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“Newly constructed or Existing Single-family detached homes, 2-4 units, Townhomes, Condos The maximum loan amount is $325,000. NO maximum purchase price”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — Eligible PropertiesOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Property rules
See exact policy language
“Participants cannot own interest in any other property. The property must be owner-occupied. The property cannot be manufactured.”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · Program RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text. - Participating lender
See exact policy language
“Must qualify for a 30-year fixed rate FHA, VA. or Conventional mortgage loan with an Invest Atlanta participating Lender”
Invest Atlanta homebuyer programs & down payment assistance — Invest Atlanta · ATL HomeNOW — RequirementsOpen official source at this passage ↗Quote found word-for-word · checked September 29, 2026Last read by a HomeStack researcher: September 27, 2026If the passage is not highlighted, use your browser’s find (Ctrl/⌘ F) to search for the quoted text.
Important notes
- The maximum first-mortgage loan amount is $325,000; there is no maximum purchase price.
- Funds may be used for down payment, closing costs, a permanent interest-rate reduction, or all three.
- Participants cannot own an interest in any other property.
- Published income limits cover households of 1–5 people; larger households must confirm limits with Invest Atlanta.
- The city-limits boundary is checked by city name only; confirm the address is within City of Atlanta limits.
Official contacts
Invest Atlanta homebuyer programs: Website
Participating lenders: official list. Housing counselors: HUD counselor search.
Official source
Invest Atlanta homebuyer programs & down payment assistance · Invest Atlanta · Last verified: September 27, 2026
Quote found word-for-word · checked September 29, 2026
HomeStack provides research and estimates based on available program criteria. It does not provide mortgage approval, underwriting, financial advice, or a guarantee of eligibility, funding, or loan terms. Final eligibility must be confirmed by the applicable lender or program administrator.